APOLLO SBI ® Credit Card

Apollo SBI Card is a Credit Card that makes health care easier as well as cheaper for you. As the name suggests, it is a co-branded Credit Card by Apollo Healthcare and SBI Card that extends instant discounts up to 10 % to the card member on health check-ups and health services by Apollo Healthcare. Besides you also get all the regular Credit Card benefits by SBI Card.

You can earn reward points on health care, lifestyle, beauty, and other retail spends through Apollo SBI Card and can redeem these points to avail the Select Apollo Services, Apollo e-Gift Vouchers or Apollo Health Credits.

Welcome Gift

As you pay the joining fee for Apollo SBI Card, you get 500 Reward Points worth 500.

As Apollo SBI Card member you get complimentary Apollo Silver Tier Membership

Terms of use:

  1. Welcome Reward Points are credited to your account 20 days after the payment of joining fee.
  2. You can instantly redeem Rewards Points for Select Apollo services, Apollo e-Gift Vouchers or Apollo Health Credits.
  3. Apollo e-Gift Vouchers are valid for 12 months from the date of issue.

Reward Points & Discount Offers

3X Reward Points on each transaction of 100 made on Apollo healthcare services.

Up to 10% off for Select Apollo Services.

2X Reward Points per 100 lifestyle spends on Dining, Movies & Entertainment.

1 Reward Point per 100 spent on Beauty & Wellness services.

1 Reward Point per 200 spent on other retail purchases, except on fuel.

Terms of use:

1 Reward Points = 1, and there is no minimum threshold for instant redemption of reward points.

You can redeem Reward Points for Apollo services, Apollo e-Gift Vouchers or Apollo Health Credits.

Spend based fee reversal

With Apollo SBI Card, you get Annual Fee Waiver if your total spends in a year are 90000 or above.

Fuel Surcharge waiver

You can enjoy 1% fuel surcharge waiver across all petrol pumps, subject to a maximum limit of 100 per month per card. The benefits can be enjoyed on each fuel transaction between 500 to 3,000 (excluding taxes).

Global Acceptance

Apollo SBI Card can be used at over 24 million MasterCard accepting outlets worldwide, including 3,25,000 outlets in India. Thus your Apollo SBI Credit card is essentially an international credit card.

Add-on Cards

Like all other SBI Credit Cards, you can apply for Add-On Credit Card for your family members if you own Apollo SBI Card. The member should be 18 years or above to enjoy the benefits of an SBI add-on card.

Utility Bill Payment

Your Apollo SBI Card's Easy Bill Pay facility helps you automate your utility bill payments for electricity, telephone, mobile, and insurance.

Balance Transfer on EMI

With Balance Transfer on EMI facility, you can pay out outstanding credit card dues at a low rate. All you need to do is request online for BT on EMI facility and transfer your outstanding credit cards bills to Apollo SBI Card, and set affordable EMIs at a lower rate of interest.


You can use the Flexipay facility to convert your card transactions of 2,500 or above into easy instalments. The request can be made online within 30 days of purchase.

Easy Money Facility

With Apollo SBI Card, you literally get "Easy Money".

The Easy Money facility lets you request a draft or cheque (according to your cash limit) to your doorstep. The request can be made online by logging in with your username and password.

Fees and Charges for Apollo SBI Card

Joining fee

499 + GST

Renewal fee

499 + GST; reversed on 90000 spends in the last year

Add-on fee


Finance charges

Up to 3.35% p.m., or 40.2% p.a.

Cash advance fee on SBI & other domestic ATMs

2.5% of the transaction amount, subject to a minimum of 300

Cash advance fee on international ATMs

3% of the transaction amount, subject to a minimum of 300

Cash payment fee


Cheque pickup


Payment dishonour fee

2% of the amount paid; a minimum of 450

Cheque fee (on cheques up to 10,000)


Statement retrieval

100 per statement

Over limit

2.5% of over limit; a minimum of 500

Card replacement


Emergency card replacement when abroad

Actual cost (minimum: $175)

Foreign currency transaction on conversion mark up


Dynamic currency conversion mark up fee


Priority Pass Lounge Charges

All Airport Lounge visits within India charged with $27 per visit + applicable taxes.

All Airport Lounge visits outside India after exhausting the complimentary visits will be charged with a usage fee of $27 per visit + applicable taxes.

All guests accompanied Primary Cardholder will be charged with a usage fee of $27 per visit + applicable taxes.

Surcharge on Railway tickets through counters

30 + 2.5% of transaction amount

Surcharge on Railway tickets through irctc.co.in

1.8% of transaction amount + applicable tax

Payments of Customs duty

2.25% of transaction amount (minimum of 75)

Terms & Conditions:

  1. Each cardholder enjoys an interest-free credit period of 20-50 days for retail purchases if there is no outstanding balance in the previous month.
  2. The minimum amount due for a statement cycle can be calculated as: 5% of Total Outstanding (Min. 200 + applicable taxes + EMI (if applicable) + OVL (if any))
  3. Cash advance limit is up to 80% of the credit limit of the card; maximum 12,000 per day
  4. Late payment fees and charges are as below:

Outstanding Credit Card Balance

Later Payment Fee

0 - 200


200 - 500


500 - 1000


1,000 - 10,000


10,000 - 25,000


More than 25,000


  1. Payment Settlement: All card payments will be settled as per Minimum Amount Due, Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.
  2. SBI Card accepts payment through local cheques or drafts payable in Delhi only
  3. All taxes are charged as applicable, over and above Fees, Interest & Charges.
  4. Being a card member, it is expected that you accept all these terms and conditions.
  5. For any type of card assistance, call SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290

How do I apply for Apollo SBI Credit Card?

Ans: To apply for Apollo SBI Credit Card, all you need to do is visit MyMoneyMantra Website and fill a credit card form. As you share your personal details, we will list all the available cards for your profile. You can either compare different SBI cards or directly click on Apollo SBI Card. You can e connect with SBI Card, and your application will be initiated. A credit card expert will contact you and answer all your queries regarding the credit card application and approval process. We will ensure the doorstep collection of documents, followed by a doorstep delivery of the card.

How do I redeem my card points on Apollo SBI Card?

Ans: Apollo SBI Card is one card that fetches 100% value on your reward points. 1 Reward Point earned on this card equals 1. There is no threshold for rewards redemption, i.e., you can redeem the points according to your convenience. You can redeem points through: POS, Health Credits or Apollo Vouchers.

What documents do I need for Apollo SBI Card?

Ans: You require one of the following documents to establish your identity, address and income proof respectively:

  • Identity Proof: Voter's ID/ Driving License/ Aadhaar Card/ Passport/ Ration Card/ PAN Card
  • Income Proof: Latest ITR Form/ Form 16/ Salary Slip/ Salary Certificate
  • Address Proof: Utility Bills/ Passport/ Bank Passbook/ Aadhaar Card/ Ration Card
  • Passport size photograph

What are the different ways to pay out Apollo SBI Card Bill?

Ans: It is completely hassle-free to pay out your SBI credit card bill. You can use Net Banking, Mobile Banking, or pay through Cash, cheque or demand draft. Here is a list of different methods you can use to pay your card bills:

Online Methods:

  • NEFT
  • National Automated Clearing House
  • SBI Auto Debit
  • Paynet-Pay Online
  • SBI Mobile Banking
  • Debit Card
  • Mobile App
  • Visa Credit Card Pay
  • Online SBI
  • Electronic Bill Payment

Offline Methods:

  • Over the Counter Payment
  • Electronic Drop Box
  • Manual Drop Box

Can I build my CIBIL score with the help of Apollo SBI Card?

Ans: It is mandatory for all financial institutions to report the credit activity of individuals and commercial entities to the credit bureau. As you begin to use your Apollo SBI Card, you build a credit history that affects your score. By diligently repaying your credit card outstanding before the due date, you can enjoy 20-50 days of free credit period for you retail transactions and enjoy a robust credit score.

SBI Card reserves the right to modify/remove one or more of offers on Apollo SBI Card at any point in time without any notice.

Thank you for choosing to apply for APOLLO SBI Credit Card Before you start your application, please check all these statements are Correct.

  • I allow and authorize mymoneymantra & it's partners to override the DND registry and contact me by phone, email or sms about their products & services. I further accept & agree to your Terms of Use & Privacy Policy.
    Please select the Checkbox.
  • I hereby authorize Mymoneymantra and provide my express consent to share my application with the selected bank and obtain my credit Information/credit report from the selected bank as retrieved by the selected bank, to check eligibility for my application. I agree and understand that this may impact my credit score.
    Please select the Checkbox.

OTP is sent to your mobile number

Enter OTP

Resend OTP